WO2016000580A1 - Method and system for handling situation of card detainment in self-service terminal - Google Patents
Method and system for handling situation of card detainment in self-service terminal Download PDFInfo
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- WO2016000580A1 WO2016000580A1 PCT/CN2015/082603 CN2015082603W WO2016000580A1 WO 2016000580 A1 WO2016000580 A1 WO 2016000580A1 CN 2015082603 W CN2015082603 W CN 2015082603W WO 2016000580 A1 WO2016000580 A1 WO 2016000580A1
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- card
- swallowing
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/21—Retaining of the payment card by ATMs
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K13/00—Conveying record carriers from one station to another, e.g. from stack to punching mechanism
- G06K13/02—Conveying record carriers from one station to another, e.g. from stack to punching mechanism the record carrier having longitudinal dimension comparable with transverse dimension, e.g. punched card
- G06K13/08—Feeding or discharging cards
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
Definitions
- the invention relates to the field of financial self-service terminals, in particular to a self-service terminal card swallowing processing method and a processing system thereof.
- the existing ATM Automatic Teller Machine
- operation errors such as password input three consecutive times, or forgetting to time out without taking the card
- the card will be swallowed by the ATM.
- the user wants to get the card that is swallowed.
- the current practice is that the user must go to the counter of the card-sweeping outlet to register with the ID card to get the card.
- the invention patent document with the application number 201310200388.5 discloses a self-service device and method for swallowing a card. After the user card is swallowed, the user can self-extract the swallowed card on the card swallowed machine by means of the card number and password.
- this device for self-swallowing card access is much more user-friendly than the traditional card-swapping process. But there is also its limitation, that is to say, the user's card is swallowed on the ATM of the Bank A number B, and the user must take the ATM of the Bank B number B to take out the swallowed card by himself. It is not possible to process a swallowed card on an ATM machine anywhere. That is to say, the device for self-swallowing card retrieval cannot solve the problem of taking a card at a different place after swallowing the card.
- the present invention provides a self-service terminal card swallowing processing system, which realizes the purpose that the user can take out a new card through the self-service terminal in different places.
- the invention also provides a self-service terminal card swallowing processing method.
- the invention provides a self-service terminal card swallowing processing system, which comprises a communication connection between each other: a card swallowing processing server, comprising a card swallowing information storage module for storing related information of the swallowed card; a first self-service terminal,
- the utility model comprises a card swallowing card module, a swallow card destroying module and a swallowing card control module, wherein the swallow card card storing module is configured to store the swallowed physical card, and the swallow card destroying module is configured to destroy the swallowed if necessary Card information, the card swallowing control module is configured to control to store a card that has not been taken out of time to the card swallowing card module, and transmit related information of the swallowed card to the card swallowing processing server, and control the card at an appropriate timing
- the swallowed card in the card swab module is transferred to the swallow card destruction module; and
- a second self-service terminal includes a card swallowing card and identity information input module, a card swallowing information and an identity authentication module, and a
- the card swallowing card and the identity information input module are configured to input the card swallowing information and user identification information
- the card swallowing information and the identity authentication module are used to authenticate whether the swallowing card information has And the user identity information is legal.
- the card issuance module is configured to write the card swallowing information into a new card after confirming that the swallowed card has been destroyed, and send the new card to the user after confirming the user identity
- the central control module It is used to control each module in the second self-service terminal to perform tasks.
- the card processing server is in communication with the bank back-end database, and is configured to obtain the account information of the swallowed card and the identity information of the user who is swallowed from the bank back-end database, to assist the swallowing information and the identity authentication module to swallow.
- the card information is validated and the identity of the user is authenticated, and the card issuing module is assisted to write the account information and user identity information of the swallowed card into the new card.
- the first self-service terminal further comprises a cleaning module for clearing information in the swallowed card and removing all dirt on the surface of the card to make it a recyclable blank card.
- the card processing server stores the swallow card of all the first self-service terminals under its jurisdiction Information, including the card swallowing time, the number of the self-service terminal that swallowed the card, the card swallowed card number, the card track information, and the identity of the swallowed card holder.
- the first self-service terminal further includes a short message sending module, configured to send a short message to notify the user that the card is swallowed and to obtain the card on the remote self-service terminal.
- a short message sending module configured to send a short message to notify the user that the card is swallowed and to obtain the card on the remote self-service terminal.
- the first self-service terminal further includes a card swallowing card and an identity information input module, a swallowing card and an identity authentication module, and a card issuing module, wherein the swallowing card and the identity information input module are configured to input the card swallowing information and the user identity Information, the card swallowing card and the identity authentication module are used to authenticate whether the card swallowing information is valid and the user identity information is legal.
- the card issuance module is configured to write the swallowed card information into a new card after confirming that the swallowed card has been destroyed.
- the second self-service terminal further includes a card swallowing card module, a swallow card destroying module, and a swallowing card control module concentrated in the center control module.
- the swallow card storage module is configured to store the swallowed physical card
- the swallow card destruction module is configured to destroy the swallowed card information if necessary
- the swallow card control module is configured to control to store the card that has timed out and not taken away Swallowing the card storage module, and transmitting the information about the swallowed card to the card swallowing processing server, and controlling the swallowed card in the swallowing card memory module to be transferred to the swallow card destroying module at an appropriate timing .
- the first self-service terminal further includes an option operation module, including an off-site card-taking option, for the user to select whether to take the card off-site, and when the user selects the card to be taken off-site, the card-swallowing control module controls the card-swapping card to be destroyed.
- the module destroys the swallowed card.
- the method for processing the self-service terminal card swallowing card includes the following steps: Step 1: When the user performs self-service in the first self-service terminal, the card is swallowed, and the first self-service terminal of the swallowing card reads the swallowing card information and uploads For the swallow card processing server; in step 2, the user selects to take out the swallowed card transaction in a second self-service terminal, and inputs the swallowed card number and identity information; in step 3, the second self-service terminal sends the user information to the swallow card processing
- the card processing server confirms whether there is card information of the tail card, if yes, proceeds to step 4, if not, proceeds to step 8; step 4, the card processing server and the banking system confirm the user identity Whether the information and the card information are legal, if yes, proceed to step 5, if no, proceed to step 8; in step 5, the second self-service terminal sends a destroying card swallowing command to the first self-service terminal through the card swallowing processing server, First self-help The terminal erases the tracked track information,
- Step 6 After the card swallowing server confirms that the swallowed card is successfully destroyed, the user sends the user.
- the card information and the card issuance command are sent to the second self-service terminal; in step 7, the second self-service terminal writes the user card information into a new card, and after the writing is successfully sent to the user, the card issuing success information is sent to the card swallowing card processing.
- the server, and the card processing server deletes the card-swallowing information related to the card from the card-swallowing information storage module; and in step 8, the process ends.
- the first self-service terminal is available for the user to select whether to take the card in different places.
- the first self-service device reads the card swallowing information, and the card is swallowed. The information is uploaded to the card processing server, and then the swallow card track information is erased to destroy the swallow card.
- the A self-service device only uploads the card swallowing information to the card swallowing server, and temporarily does not erase the swallowing. The card track information destroys the swallow card.
- step 6 after the card information is encrypted and integrity verified, the card information is sent to the second self-service terminal, and only the authorized self-service terminal can decrypt and obtain the correct card information.
- the self-service terminal card swallowing processing system provided by the invention is provided by the card swallowing processing server, and the communication connection between the self-service terminal, the swallowing card processing server and the banking service system, and the card swallowing information storage module and the swallowing card storage card module
- the function of the function module such as the card swallowing control module, the swallowing card information and the user identity authentication module, and the card issuance module, so that the user can take the card at a different place after the card is swallowed, thereby saving the user's capital, time and energy costs, greatly Convenient for the user, reflecting the bank's convenient user service.
- the entire process of issuing the card to the user after the card is swallowed does not require manual intervention by the bank, which saves the labor cost of the bank.
- the technical solution provided by the invention is implemented, and only the card issuing module can be installed on the existing self-service terminal in the hardware, and the system transformation cost is small and the utility is strong.
- FIG. 1 is a schematic structural diagram of a module of a self-service terminal card swallowing processing system according to a first embodiment of the present invention
- FIG. 2 is a schematic structural diagram of a self-service terminal card swallowing processing system module according to a second embodiment of the present invention.
- FIG. 3 is a schematic structural diagram of a module of a self-service terminal card swallowing processing system according to a third embodiment of the present invention.
- FIG. 4 is a flowchart of a method for processing a self-service terminal card swallowing card according to a preferred embodiment of the present invention
- FIG. 5 is a flowchart of a first type of swallowing card involved in the method for processing a self-service terminal card swallowing card provided by the present invention
- FIG. 6 is a flow chart of a second type of swallowing card involved in the method for processing a self-service terminal card swallowing card provided by the present invention
- FIG. 7 is a third flow chart of a card swallowing involved in the method for processing a self-service terminal swallow card provided by the present invention.
- FIG. 8 is a schematic diagram of a card taking process involved in a method for processing a self-service terminal card swallowing card provided by the present invention.
- the self-service terminal card swallowing processing system includes a card swallowing processing server, a first self-service terminal, and a second self-service terminal that are communicably connected to each other.
- the card swallowing processing server includes a card swallowing information storage module, and the card swallowing information storage module is configured to store related information of the swallowed card.
- the card swallowing processing server is also in communication with the bank back-end database, that is, the banking system, so as to obtain the account information of the swallowed card and the identity information of the swallowed card from the bank back-end database to assist the card swallowing information and identity authentication.
- the module authenticates the validity of the card-swallowing information and the legality of the user identity, and assists the card-issuing module to write the account information and user identity information of the swallowed card into the new card.
- the first self-service terminal includes a card swallowing card module and a swallow card pin Destroying the module, a card swallowing control module, and a short message sending module, wherein the swallowing card storage module is configured to store the swallowed physical card, and the swallow card destroying module is configured to destroy the swallowed card information if necessary, the swallowing card
- the control module is configured to control to store the card that has not been taken out of the timeout to the card-swallowing card module, and transmit related information of the swallowed card to the card-swallowing processing server, and control the card-swallowing card module at an appropriate timing.
- the swallowed card is transmitted to the swallow card destruction module, and the short message sending module is configured to send a short message to notify the user that the card is swallowed and to obtain the card on the remote self-service terminal.
- the second self-service terminal includes a card swallowing card and an identity information input module, a card swallowing information and an identity authentication module, a card issuing module and a central control module, and the swallowing card and identity information input module is configured to input the card swallowing information and the user
- the identification information, the card swallowing information and the identity authentication module are used to authenticate whether the card swallowing information is valid and the user identity information is legal.
- the card issuance module is configured to write the swallowed card information after confirming that the swallowed card has been destroyed.
- the new card is sent to the user after confirming the identity of the user, and the central control module is configured to control each module in the second self-service terminal to perform a task.
- the card issuing module is provided with a card reader having a read/write function, so that the card swallowed information can be written into a new card.
- the setting of the short message sending module is a preferred solution, which can facilitate the user to find out that the card is swallowed and guide the user to take the card in a different place, and more convenient for the user.
- the card processing server is connected to a plurality of self-service terminals, and all self-service terminals that are in communication with each other are controlled, and any self-service terminal generates a card swallowing event, and the self-service terminal uploads the card swallowing information to The swallow card processing server. That is, the card processing server stores the card swallowing information of all the first self-service terminals under its jurisdiction.
- the card swallowing information generally includes the card swallowing time, the number of the self-service terminal that swallows the card, the card swallowing card number, the card track information, and the identity information of the swallowed card holder.
- the first self-service terminal further includes an option operation module, where the option operation module includes an off-site card-taking option for the user to select whether to take the card off-site, and when the user selects the card to be taken off-site, the card-swallowing control module Control the swallow card destruction module to destroy the swallowed card.
- the option operation module includes an off-site card-taking option for the user to select whether to take the card off-site, and when the user selects the card to be taken off-site, the card-swallowing control module Control the swallow card destruction module to destroy the swallowed card.
- the main improvement is to transform the first self-service terminal into a self-service terminal having a card issuing function, and thus Adding a swallow card and identity information input module and a card swallowing letter in the first funding terminal
- the information and identity authentication module and the card issuance module of course, the program of controlling the modules is also required in the card swallowing control module, so that the first self-service terminal can also provide the user with the card picking function in different places, compared to another card swallowing card.
- the first self-service terminal becomes a second self-service terminal located in a different place.
- a card cleaning module is further added in the first self-service terminal for clearing the information in the swallowed card and removing all dirt on the surface of the card, so that Become a recyclable blank card.
- the card cleaning module can replace the card killing module, and is a more preferable solution of the card killing module.
- the second self-service terminal is named relative to the first self-service terminal of the swallow card. Therefore, the first self-service terminal and the second self-service terminal are not absolute, and each self-service terminal can be processed and swallowed. Card and off-site card-taking function, any self-service terminal is a second self-service terminal in a remote location with respect to another self-service terminal. Therefore, as a third embodiment provided by the present invention, as shown in FIG. 3, the first self-service terminal and the second subsidized terminal both have a central control module, a swallow card storage module, a card cleaning module, a card issuance module, and a swallowing Card information and identity information input module, card swallowing information and identity authentication module, and short message sending module.
- the central control module Under the control of the central control module, when the user times out and does not take the card, the card swallowing action is performed, the card is stored in the swallow card card module, and the card swallowing information is uploaded to the swallow card processing server, and the user is notified by the short message sending module. The card is swallowed and the card can be taken offsite.
- the second self-service terminal existing in the remote location, when the user selects the remotely extracted card-swallowing service, the user inputs the card information (for example, the last four digits of the swallowed card) and the user identity through the card-swallowing information and the identity information input module.
- the second self-service terminal issues a command to destroy the swallowed card to the first self-service terminal through the card swallowing processing server, and is swallowed
- the information of the scrapped or cleared card is destroyed and cleaned into a blank card (the latter uses the latter to process the swallowed card for recycling)
- the information of the first self-service terminal feedback card is destroyed, and the card is processed.
- the server After receiving the information that the card is destroyed, the server sends the card information to the second self-service terminal, and the card reader in the card issuing module of the second self-service terminal writes the card information of the swallowed card into a new card, and Send the new card to the user after confirming the user's identity.
- the self-service terminal card swallowing processing method is described below with reference to FIG.
- the self-service terminal The method for processing the card is as follows: Step 1: When the user performs self-service in the first self-service terminal, the card is swallowed, and the first self-service terminal of the card swallows the card information and uploads it to the card processing server; Step 2 The user selects to take out the swallowed card transaction in a second self-service terminal, and inputs the swallowed card number and identity information; in step 3, the second self-service terminal sends the user information to the card swallowing processing server, and the card swallowing processing server confirms Whether there is the card swallowing information of the tail card, if yes, proceed to step 4, if not, proceed to step 8; in step 4, the card swallowing server and the banking system confirm whether the user identity information and the card information are legal, if If yes, proceed to step 5; if no, proceed to step 8; in step 5, the second self-service terminal sends a destroying card swallowing command to the first self
- the user card information and the card issuance command are sent to the second self-service terminal; in step 7, the second self-service terminal writes the user card information into a new card, and after the writing is successful, the user sends the card to the user, and sends the card issuing success information.
- the card processing server is provided, and the card swallowing processing server deletes the card swallowing information related to the card from the card swallowing information storage module; and in step 8, the process ends.
- the first self-service terminal is available for the user to select whether to take the card in different places.
- the first self-service device reads. Take the card swallowing information, upload the card swallowing information to the card swallowing processing server, and then erase the swallow card track information to destroy the swallow card.
- the A self-service device only uploads the swallowing card information to the card. The card processing server temporarily deletes the swallow card without erasing the swallowed track information.
- step 6 after the card information is encrypted and integrity verified, the card information is sent to the second self-service terminal, and only the authorized self-service terminal can decrypt and obtain the correct card information.
- the self-service terminal card processing method provided in this embodiment may be divided into a card swallowing process and a card taking process.
- the most basic card swallowing process includes swallowing a card, sending the swallowed card information to the swallowing card processing server, and The process ends, preferably in the self-service terminal to send to the card swallowing server After the card is swallowed, a message is sent to the user to inform the user that the card is swallowed and the card can be taken offsite.
- the user When the first self-service terminal is further provided with the option operation module, after the card is swallowed and the self-service terminal sends the swallowed card information to the card swallowing processing server, the user also selects whether to take the card in a different place, and the user temporarily forgets the password or accidentally enters the password. After the card is swallowed many times after the error, the customer often knows that the card is swallowed in time, and chooses whether to take the card according to his own needs.
- the self-service terminal When the user selects the card to be taken off-site, the self-service terminal immediately destroys the card information of the card swallowed, scraps the card or swallows the card information and cleans the surface of the swallowed card, so that the card is swallowed into a blank card, and then It is transmitted to the card issuance module to be recycled.
- the two processes are shown in Figure 6 and Figure 7, respectively.
- the short message sending module When the customer does not select whether to take the card in a different place, it may be that the customer does not notice that the card is swallowed, so the short message sending module notifies the customer that the card is swallowed and can be taken out of the card.
- the basic card removal process includes: start, select to take out the swallowed card transaction, and then enter the tail number of the swallowed card, usually the last four digits, and then enter the swallowed password, the self-service terminal first verifies Whether the card corresponding to the tail number is swallowed. If it is not swallowed, the process ends. If the card processing server stores the information that the card has been swallowed, further verify that the password entered by the user is correct. If not, then The process ends. If the password is correct, the card information corresponding to the tail number is written into a new card, and then the new card is sent to the user, and then the self-service terminal notifies the card processing server that the card corresponding to the tail number has been taken away. The card processing server deletes the card swallowing information corresponding to the tail card, and prevents multiple identical cards from being taken out.
- the self-service terminal card swallowing processing system provided by the invention is provided by the card swallowing processing server, and the communication connection between the self-service terminal, the swallowing card processing server and the banking service system, and the card swallowing information storage module and the swallowing card storage card module
- the function of the function module such as the card swallowing control module, the swallowing card information and the user identity authentication module, and the card issuance module, so that the user can take the card at a different place after the card is swallowed, thereby saving the user's capital, time and energy costs, greatly Convenient for the user, reflecting the bank's convenient user service.
- the entire process of issuing the card to the user after the card is swallowed does not require manual intervention by the bank, which saves the labor cost of the bank.
- the technical solution provided by the invention is implemented, and only the card issuing module can be installed on the existing self-service terminal in the hardware, and the system transformation cost is small and the utility is strong.
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Abstract
Description
本申请要求2014年07月02日提交中国专利局、申请号为201410314920.0、发明名称为“自助终端吞卡处理方法和系统”的发明专利申请的优先权，其全部内容通过引用结合在本申请中。The present application claims priority to the Chinese Patent Office, the application No. 201410314920.0, entitled "self-service terminal card processing method and system", which is incorporated herein by reference. .
本发明涉及金融自助终端领域，尤其是涉及一种自助终端吞卡处理方法及其处理系统。The invention relates to the field of financial self-service terminals, in particular to a self-service terminal card swallowing processing method and a processing system thereof.
现有的ATM(自动柜员机)技术，当用户由于操作失误，如密码输入连续错误3次，或者遗忘超时未拿卡，卡即会被ATM吞掉。卡被吞掉后用户要想拿到被吞掉的卡，目前做法是用户必须要到吞卡行网点的柜台，用身份证登记，才能拿到卡。The existing ATM (Automatic Teller Machine) technology, when the user is mistaken due to operation errors, such as password input three consecutive times, or forgetting to time out without taking the card, the card will be swallowed by the ATM. After the card is swallowed, the user wants to get the card that is swallowed. The current practice is that the user must go to the counter of the card-sweeping outlet to register with the ID card to get the card.
如果遇上跨行吞卡，有的银行规定非常严格，要拿到被吞掉的卡，非常麻烦。例如用户持A银行的卡，在B银行的ATM机上被吞，则用户必须到A银行网点的柜台开具被吞掉卡的相关证明，证明必须盖章。然后拿着A银行的证明到B银行网点的柜台，用身份证登记，才能拿到卡。If you encounter a cross-bank swallow card, some banks have very strict regulations. It is very troublesome to get the swallowed card. For example, if the user holds the card of Bank A and is swallowed on the ATM of Bank B, the user must go to the counter of Bank A outlet to issue a certificate of the swallowed card, which proves that it must be stamped. Then take the certificate of Bank A to the counter of Bank B outlet and register with ID card to get the card.
申请号为201310200388.5的发明专利文献公开了一种吞卡取卡的自助装置和方法，用户卡被吞后，用户可以凭借卡号和密码在卡被吞的机器上自助取出被吞的卡。虽然这种自助吞卡取卡的装置较传统的吞卡取卡流程能极大的方面用户。但是也有它的局限性，就是说用户的卡是在A银行的编号为B的ATM机上被吞掉，用户必须要在A银行的编号为B的ATM机上才能自助的取出被吞的卡，而不能实现在任何地方ATM机上处理被吞的卡。也就是说，该自助吞卡取卡的装置不能解决吞卡后，在异地取卡的问题。The invention patent document with the application number 201310200388.5 discloses a self-service device and method for swallowing a card. After the user card is swallowed, the user can self-extract the swallowed card on the card swallowed machine by means of the card number and password. Although this device for self-swallowing card access is much more user-friendly than the traditional card-swapping process. But there is also its limitation, that is to say, the user's card is swallowed on the ATM of the Bank A number B, and the user must take the ATM of the Bank B number B to take out the swallowed card by himself. It is not possible to process a swallowed card on an ATM machine anywhere. That is to say, the device for self-swallowing card retrieval cannot solve the problem of taking a card at a different place after swallowing the card.
因此，提供一种能够实现用户卡被吞掉后，在异地ATM机上处理被吞卡的方法和系统很有必要，方便用户解决好异地被吞卡的技术问题，节约用户的时间、金钱、精力成本。 Therefore, it is necessary to provide a method and system for processing a swallowed card on an off-site ATM machine after the user card is swallowed, so that the user can solve the technical problem of being swallowed in a different place, saving the user's time, money, and energy. cost.
发明内容Summary of the invention
为了解决现有技术中自助服务终端不能处理异地被吞卡的技术问题，本发明提供一种自助终端吞卡处理系统，实现用户可在异地通过自助终端取出新卡的目的。In order to solve the technical problem that the self-service terminal in the prior art cannot handle the card swallowing in different places, the present invention provides a self-service terminal card swallowing processing system, which realizes the purpose that the user can take out a new card through the self-service terminal in different places.
本发明还提供一种自助终端吞卡处理方法。The invention also provides a self-service terminal card swallowing processing method.
本发明提供的一种自助终端吞卡处理系统，包括相互间通信连接的：一吞卡处理服务器，包括一吞卡信息存储模块，用于存储被吞卡的相关信息；一第一自助终端，其包括一吞卡存卡模块、一吞卡销毁模块以及一吞卡控制模块，该吞卡存卡模块用于存储被吞的实物卡，该吞卡销毁模块用于在必要时销毁该被吞卡的信息，该吞卡控制模块用于控制将超时未取走的卡存储到该吞卡存卡模块，并将被吞卡的相关信息传输到该吞卡处理服务器，且在适当时机控制该吞卡存卡模块中的被吞卡被传输到该吞卡销毁模块中；以及一第二自助终端，包括一吞卡和身份信息输入模块、一吞卡信息及身份认证模块、一发卡模块以及一中心控制模块，该吞卡和身份信息输入模块用于输入该吞卡信息和用户身份识别信息，该吞卡信息及身份认证模块用于认证吞卡信息是否有效以及用户身份信息是否合法，该发卡模块用于在确认被吞卡已经销毁后，将被吞卡信息写入一张新卡，且在确认用户身份后将新卡发送给用户，该中心控制模块用于控制该第二自助终端内各模块执行任务。The invention provides a self-service terminal card swallowing processing system, which comprises a communication connection between each other: a card swallowing processing server, comprising a card swallowing information storage module for storing related information of the swallowed card; a first self-service terminal, The utility model comprises a card swallowing card module, a swallow card destroying module and a swallowing card control module, wherein the swallow card card storing module is configured to store the swallowed physical card, and the swallow card destroying module is configured to destroy the swallowed if necessary Card information, the card swallowing control module is configured to control to store a card that has not been taken out of time to the card swallowing card module, and transmit related information of the swallowed card to the card swallowing processing server, and control the card at an appropriate timing The swallowed card in the card swab module is transferred to the swallow card destruction module; and a second self-service terminal includes a card swallowing card and identity information input module, a card swallowing information and an identity authentication module, and a card issuing module. a central control module, the card swallowing card and the identity information input module are configured to input the card swallowing information and user identification information, and the card swallowing information and the identity authentication module are used to authenticate whether the swallowing card information has And the user identity information is legal. The card issuance module is configured to write the card swallowing information into a new card after confirming that the swallowed card has been destroyed, and send the new card to the user after confirming the user identity, the central control module It is used to control each module in the second self-service terminal to perform tasks.
优选的，该吞卡处理服务器与银行后台数据库通信连接，用于从银行后台数据库中获取被吞卡的账户信息及被吞卡用户的身份信息，以协助该吞卡信息及身份认证模块进行吞卡信息有效性及用户身份合法性的认证，且协助该发卡模块将被吞卡的账户信息与用户身份信息写入该新卡中。Preferably, the card processing server is in communication with the bank back-end database, and is configured to obtain the account information of the swallowed card and the identity information of the user who is swallowed from the bank back-end database, to assist the swallowing information and the identity authentication module to swallow. The card information is validated and the identity of the user is authenticated, and the card issuing module is assisted to write the account information and user identity information of the swallowed card into the new card.
优选的，该第一自助终端还包括一清洗模块，用于将被吞卡内的信息进行清除，并清除卡表面的一切污垢，使之成为一张可循环利用的空白卡。Preferably, the first self-service terminal further comprises a cleaning module for clearing information in the swallowed card and removing all dirt on the surface of the card to make it a recyclable blank card.
优选的，该吞卡处理服务器存储其管辖下的所有第一自助终端的吞卡 信息，包括吞卡时间、吞卡的自助终端的编号、被吞卡卡号、卡磁道信息以及该被吞卡持有人身份信息。Preferably, the card processing server stores the swallow card of all the first self-service terminals under its jurisdiction Information, including the card swallowing time, the number of the self-service terminal that swallowed the card, the card swallowed card number, the card track information, and the identity of the swallowed card holder.
优选的，该第一自助终端还包括一短信发送模块，用于发送短信通知用户卡被吞以及可在异地自助终端上取卡。Preferably, the first self-service terminal further includes a short message sending module, configured to send a short message to notify the user that the card is swallowed and to obtain the card on the remote self-service terminal.
优选的，该第一自助终端还包括一吞卡和身份信息输入模块、一吞卡和身份认证模块以及一发卡模块，该吞卡和身份信息输入模块用于输入该吞卡信息和用户身份识别信息，该吞卡和身份认证模块用于认证吞卡信息是否有效和用户身份信息是否合法，该发卡模块用于在确认被吞卡已经销毁后，将被吞卡信息写入一张新卡，且确认用户身份后将新卡发送给用户；和/或该第二自助终端还包括一吞卡存卡模块、一吞卡销毁模块以及一集中于该中心控制模块中的吞卡控制模块，该吞卡存卡模块用于存储被吞的实物卡，该吞卡销毁模块用于在必要时销毁该被吞卡的信息，该吞卡控制模块用于控制将超时未取走的卡存储到该吞卡存卡模块，并将被吞卡的相关信息传输到该吞卡处理服务器，且在适当时机控制该吞卡存卡模块中的被吞卡被传输到该吞卡销毁模块中。Preferably, the first self-service terminal further includes a card swallowing card and an identity information input module, a swallowing card and an identity authentication module, and a card issuing module, wherein the swallowing card and the identity information input module are configured to input the card swallowing information and the user identity Information, the card swallowing card and the identity authentication module are used to authenticate whether the card swallowing information is valid and the user identity information is legal. The card issuance module is configured to write the swallowed card information into a new card after confirming that the swallowed card has been destroyed. After the user identity is confirmed, the new card is sent to the user; and/or the second self-service terminal further includes a card swallowing card module, a swallow card destroying module, and a swallowing card control module concentrated in the center control module. The swallow card storage module is configured to store the swallowed physical card, and the swallow card destruction module is configured to destroy the swallowed card information if necessary, and the swallow card control module is configured to control to store the card that has timed out and not taken away Swallowing the card storage module, and transmitting the information about the swallowed card to the card swallowing processing server, and controlling the swallowed card in the swallowing card memory module to be transferred to the swallow card destroying module at an appropriate timing .
优选的，该第一自助终端还包括一选项操作模块，包括异地取卡选项，用以供用户选择是否异地取卡，且当用户选择异地取卡时，该吞卡控制模块控制该吞卡销毁模块销毁该被吞卡。Preferably, the first self-service terminal further includes an option operation module, including an off-site card-taking option, for the user to select whether to take the card off-site, and when the user selects the card to be taken off-site, the card-swallowing control module controls the card-swapping card to be destroyed. The module destroys the swallowed card.
本发明提供的一种自助终端吞卡处理方法，包括：步骤1，用户在一第一自助终端进行自助业务时，卡被吞，该吞卡的第一自助终端读取吞卡信息，并上传给吞卡处理服务器；步骤2，用户在一第二自助终端选择取出被吞卡交易，并输入被吞卡尾号及身份信息；步骤3，该第二自助终端发送用户信息至该吞卡处理服务器，该吞卡处理服务器确认是否有该尾号卡的吞卡信息，如果是，则进入步骤4，如果否，则进入步骤8；步骤4，该吞卡处理服务器与银行业务系统确认用户身份信息和卡信息是否合法，如果是，则进行步骤5，如果否，则进行步骤8；步骤5，该第二自助终端通过该吞卡处理服务器发送销毁吞卡命令给该第一自助终端，该第一自助 终端擦除被吞卡磁道信息，报废吞卡，且报废吞卡成功后，发送销毁被吞卡成功信息给吞卡处理服务器；步骤6，吞卡处理服务器确认被吞卡成功销毁后，发送用户卡信息以及发卡命令给该第二自助终端；步骤7，该第二自助终端将用户卡信息写入一张新卡，写入成功后发给用户，且将发卡成功信息发送给该吞卡处理服务器，且该吞卡处理服务器将此卡涉及的吞卡信息从该吞卡信息存储模块中删除；以及步骤8，流程结束。The method for processing the self-service terminal card swallowing card includes the following steps: Step 1: When the user performs self-service in the first self-service terminal, the card is swallowed, and the first self-service terminal of the swallowing card reads the swallowing card information and uploads For the swallow card processing server; in step 2, the user selects to take out the swallowed card transaction in a second self-service terminal, and inputs the swallowed card number and identity information; in step 3, the second self-service terminal sends the user information to the swallow card processing The server, the card processing server confirms whether there is card information of the tail card, if yes, proceeds to step 4, if not, proceeds to step 8; step 4, the card processing server and the banking system confirm the user identity Whether the information and the card information are legal, if yes, proceed to step 5, if no, proceed to step 8; in step 5, the second self-service terminal sends a destroying card swallowing command to the first self-service terminal through the card swallowing processing server, First self-help The terminal erases the tracked track information, scraps the card, and sends a message to destroy the swallowed card success message after the card is successfully swallowed. Step 6: After the card swallowing server confirms that the swallowed card is successfully destroyed, the user sends the user. The card information and the card issuance command are sent to the second self-service terminal; in step 7, the second self-service terminal writes the user card information into a new card, and after the writing is successfully sent to the user, the card issuing success information is sent to the card swallowing card processing. The server, and the card processing server deletes the card-swallowing information related to the card from the card-swallowing information storage module; and in step 8, the process ends.
优选的，步骤1中用户卡被吞后，该第一自助终端可供用户选择是否异地取卡，当用户选择异地取卡时，该第一自助设备读取吞卡信息，并将该吞卡信息上传给该吞卡处理服务器，然后擦除吞卡磁道信息销毁吞卡，当用户没有选择异地取卡时，A自助设备只将吞卡信息上传给该吞卡处理服务器，暂时不擦除吞卡磁道信息销毁吞卡。Preferably, after the user card is swallowed in step 1, the first self-service terminal is available for the user to select whether to take the card in different places. When the user selects the card to be taken off-site, the first self-service device reads the card swallowing information, and the card is swallowed. The information is uploaded to the card processing server, and then the swallow card track information is erased to destroy the swallow card. When the user does not select the card to be taken offsite, the A self-service device only uploads the card swallowing information to the card swallowing server, and temporarily does not erase the swallowing. The card track information destroys the swallow card.
优选的，在步骤6中，对卡信息进行加密处理及完整性验证处理之后，再发送给该第二自助终端，只有授权的自助终端才能解密并获取正确的卡信息。Preferably, in step 6, after the card information is encrypted and integrity verified, the card information is sent to the second self-service terminal, and only the authorized self-service terminal can decrypt and obtain the correct card information.
本发明提供的自助终端吞卡处理系统由于吞卡处理服务器的设置，以及配合自助终端、吞卡处理服务器以及银行业务系统之间的通信连接，且通过吞卡信息存储模块、吞卡存卡模块、吞卡控制模块、吞卡信息与用户身份认证模块以及发卡模块等功能模块的设置，实现卡被吞后用户可在异地取卡的目的，节约了用户的资金、时间、精力成本，极大地方便了用户，体现了银行便利用户的服务宗旨。而且卡被吞后再发卡给用户的整个过程无需银行的人工介入，节省了银行的人力成本。另外，实现本发明提供的技术方案，硬件上只需在现有自助终端上加装发卡模块即可，系统改造成本小，实用性强。The self-service terminal card swallowing processing system provided by the invention is provided by the card swallowing processing server, and the communication connection between the self-service terminal, the swallowing card processing server and the banking service system, and the card swallowing information storage module and the swallowing card storage card module The function of the function module such as the card swallowing control module, the swallowing card information and the user identity authentication module, and the card issuance module, so that the user can take the card at a different place after the card is swallowed, thereby saving the user's capital, time and energy costs, greatly Convenient for the user, reflecting the bank's convenient user service. Moreover, the entire process of issuing the card to the user after the card is swallowed does not require manual intervention by the bank, which saves the labor cost of the bank. In addition, the technical solution provided by the invention is implemented, and only the card issuing module can be installed on the existing self-service terminal in the hardware, and the system transformation cost is small and the utility is strong.
图1是本发明第一实施例提供的自助终端吞卡处理系统模块结构示意图；1 is a schematic structural diagram of a module of a self-service terminal card swallowing processing system according to a first embodiment of the present invention;
图2是本发明第二实施例提供的自助终端吞卡处理系统模块结构示意 图；2 is a schematic structural diagram of a self-service terminal card swallowing processing system module according to a second embodiment of the present invention; Figure
图3是本发明第三实施例提供的自助终端吞卡处理系统模块结构示意图；3 is a schematic structural diagram of a module of a self-service terminal card swallowing processing system according to a third embodiment of the present invention;
图4是本发明一较佳实施例提供的自助终端吞卡处理方法的流程图；4 is a flowchart of a method for processing a self-service terminal card swallowing card according to a preferred embodiment of the present invention;
图5是本发明提供的自助终端吞卡处理方法中涉及的第一种吞卡流程图；FIG. 5 is a flowchart of a first type of swallowing card involved in the method for processing a self-service terminal card swallowing card provided by the present invention; FIG.
图6是本发明提供的自助终端吞卡处理方法中涉及的第二种吞卡流程图；6 is a flow chart of a second type of swallowing card involved in the method for processing a self-service terminal card swallowing card provided by the present invention;
图7是本发明提供的自助终端吞卡处理方法中涉及的第三种吞卡流程图；7 is a third flow chart of a card swallowing involved in the method for processing a self-service terminal swallow card provided by the present invention;
图8本发明提供的自助终端吞卡处理方法中涉及的一种取卡流程示意图。FIG. 8 is a schematic diagram of a card taking process involved in a method for processing a self-service terminal card swallowing card provided by the present invention.
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.
如图1所示，本发明第一实施例提供的自助终端吞卡处理系统包括相互间通信连接的吞卡处理服务器、第一自助终端和第二自助终端。该吞卡处理服务器包括一吞卡信息存储模块，该吞卡信息存储模块用于存储被吞卡的相关信息。该吞卡处理服务器还与银行后台数据库，也就是银行业务系统通信连接，以便从银行后台数据库中获取被吞卡的账户信息及被吞卡用户的身份信息，以协助该吞卡信息及身份认证模块进行吞卡信息有效性及用户身份合法性的认证，且协助该发卡模块将被吞卡的账户信息与用户身份信息写入该新卡中。该第一自助终端包括一吞卡存卡模块、一吞卡销 毁模块、一吞卡控制模块以及一短信发送模块，该吞卡存卡模块用于存储被吞的实物卡，该吞卡销毁模块用于在必要时销毁该被吞卡的信息，该吞卡控制模块用于控制将超时未取走的卡存储到该吞卡存卡模块，并将被吞卡的相关信息传输到该吞卡处理服务器，且在适当时机控制该吞卡存卡模块中的被吞卡被传输到该吞卡销毁模块中，该短信发送模块用于发送短信通知用户卡被吞以及可在异地自助终端上取卡。该第二自助终端包括一吞卡和身份信息输入模块、一吞卡信息及身份认证模块、一发卡模块以及一中心控制模块，该吞卡和身份信息输入模块用于输入该吞卡信息和用户身份识别信息，该吞卡信息及身份认证模块用于认证吞卡信息是否有效以及用户身份信息是否合法，该发卡模块用于在确认被吞卡已经销毁后，将被吞卡信息写入一张新卡，且在确认用户身份后将新卡发送给用户，该中心控制模块用于控制该第二自助终端内各模块执行任务。其中，该发卡模块中设置有一张具有读写功能的读卡器，因此能够将被吞卡信息写入一张新卡。另外，该短信发送模块的设置为优选方案，可以便于用户更早地发现卡被吞和指引用户在异地取卡，更大限度地为用户提供便利。As shown in FIG. 1 , the self-service terminal card swallowing processing system provided by the first embodiment of the present invention includes a card swallowing processing server, a first self-service terminal, and a second self-service terminal that are communicably connected to each other. The card swallowing processing server includes a card swallowing information storage module, and the card swallowing information storage module is configured to store related information of the swallowed card. The card swallowing processing server is also in communication with the bank back-end database, that is, the banking system, so as to obtain the account information of the swallowed card and the identity information of the swallowed card from the bank back-end database to assist the card swallowing information and identity authentication. The module authenticates the validity of the card-swallowing information and the legality of the user identity, and assists the card-issuing module to write the account information and user identity information of the swallowed card into the new card. The first self-service terminal includes a card swallowing card module and a swallow card pin Destroying the module, a card swallowing control module, and a short message sending module, wherein the swallowing card storage module is configured to store the swallowed physical card, and the swallow card destroying module is configured to destroy the swallowed card information if necessary, the swallowing card The control module is configured to control to store the card that has not been taken out of the timeout to the card-swallowing card module, and transmit related information of the swallowed card to the card-swallowing processing server, and control the card-swallowing card module at an appropriate timing. The swallowed card is transmitted to the swallow card destruction module, and the short message sending module is configured to send a short message to notify the user that the card is swallowed and to obtain the card on the remote self-service terminal. The second self-service terminal includes a card swallowing card and an identity information input module, a card swallowing information and an identity authentication module, a card issuing module and a central control module, and the swallowing card and identity information input module is configured to input the card swallowing information and the user The identification information, the card swallowing information and the identity authentication module are used to authenticate whether the card swallowing information is valid and the user identity information is legal. The card issuance module is configured to write the swallowed card information after confirming that the swallowed card has been destroyed. The new card is sent to the user after confirming the identity of the user, and the central control module is configured to control each module in the second self-service terminal to perform a task. Wherein, the card issuing module is provided with a card reader having a read/write function, so that the card swallowed information can be written into a new card. In addition, the setting of the short message sending module is a preferred solution, which can facilitate the user to find out that the card is swallowed and guide the user to take the card in a different place, and more convenient for the user.
另外，值得注意的是，该吞卡处理服务器与多个自助终端通信连接，管辖所有与之通信连接的自助终端，任意一台自助终端发生吞卡事件，该自助终端都将吞卡信息上传至该吞卡处理服务器。也就是说，该吞卡处理服务器存储其管辖下的所有第一自助终端的吞卡信息。该吞卡信息通常包括吞卡时间、吞卡的自助终端的编号、被吞卡卡号、卡磁道信息以及该被吞卡持有人身份信息。In addition, it is worth noting that the card processing server is connected to a plurality of self-service terminals, and all self-service terminals that are in communication with each other are controlled, and any self-service terminal generates a card swallowing event, and the self-service terminal uploads the card swallowing information to The swallow card processing server. That is, the card processing server stores the card swallowing information of all the first self-service terminals under its jurisdiction. The card swallowing information generally includes the card swallowing time, the number of the self-service terminal that swallows the card, the card swallowing card number, the card track information, and the identity information of the swallowed card holder.
优选的，该第一自助终端还可以包括一选项操作模块，该选项操作模块包括异地取卡选项，用以供用户选择是否异地取卡，且当用户选择异地取卡时，该吞卡控制模块控制该吞卡销毁模块销毁该被吞卡。Preferably, the first self-service terminal further includes an option operation module, where the option operation module includes an off-site card-taking option for the user to select whether to take the card off-site, and when the user selects the card to be taken off-site, the card-swallowing control module Control the swallow card destruction module to destroy the swallowed card.
如图2所示，本发明第二实施例提供的自助终端吞卡处理系统，相较于第一实施例，主要改进在于将该第一自助终端改造成具有发卡功能的自助终端，因此在该第一资助终端中增设吞卡和身份信息输入模块、吞卡信 息及身份认证模块以及发卡模块，当然其吞卡控制模块中也需要设置控制该些模块的程序，这样，该第一自助终端也可以为用户提供异地取卡功能，相对于另一台吞卡的自助终端来说，该第一自助终端成为了位于异地的第二自助终端。另外，为了便于该被吞卡被销毁后重复利用，在该第一自助终端中还增设一卡清洗模块，用于将被吞卡内的信息进行清除，并清除卡表面的一切污垢，使之成为一张可循环利用的空白卡。该卡清洗模块可以替代该吞卡销毁模块，而且是该吞卡销毁模块的更优选的方案。As shown in FIG. 2, in the self-service terminal card swallowing processing system provided by the second embodiment of the present invention, compared with the first embodiment, the main improvement is to transform the first self-service terminal into a self-service terminal having a card issuing function, and thus Adding a swallow card and identity information input module and a card swallowing letter in the first funding terminal The information and identity authentication module and the card issuance module, of course, the program of controlling the modules is also required in the card swallowing control module, so that the first self-service terminal can also provide the user with the card picking function in different places, compared to another card swallowing card. In the self-service terminal, the first self-service terminal becomes a second self-service terminal located in a different place. In addition, in order to facilitate the reuse of the swallowed card after being destroyed, a card cleaning module is further added in the first self-service terminal for clearing the information in the swallowed card and removing all dirt on the surface of the card, so that Become a recyclable blank card. The card cleaning module can replace the card killing module, and is a more preferable solution of the card killing module.
值得注意的是，该第二自助终端是相对于吞卡的该第一自助终端命名的，因此，第一自助终端与该第二自助终端并不是绝对的，每一个自助终端都可以具备处理吞卡和异地取卡的功能，任意一台自助终端相对于另一台吞卡的自助终端都为异地的第二自助终端。因此，作为本发明提供的第三个实施例，如图3所示，该第一自助终端与该第二资助终端都具有中心控制模块、吞卡存卡模块、卡清洗模块、发卡模块、吞卡信息和身份信息输入模块、吞卡信息和身份认证模块以及短信发送模块。在中心控制模块的控制下，当用户超时未取卡时，执行吞卡动作，将卡存入吞卡存卡模块，并且将吞卡信息上传至吞卡处理服务器，并且通过短信发送模块通知用户卡被吞以及可异地取卡。作为异地存在的第二自助终端，当遇到用户选择异地提取被吞卡业务时，用户通过吞卡信息和身份信息输入模块输入卡信息(例如被吞卡的后四位尾号)和用户身份信息(例如密码)，在该吞卡和身份认证模块确认卡被吞以及用户信息正确时，第二自助终端通过吞卡处理服务器向第一自助终端发出销毁被吞卡的命令，在被吞卡被销毁报废或者被清除卡信息以及被清洁干净成为一张空白卡(本实施例中采用后者处理被吞卡，以便循环利用)后，第一自助终端反馈卡被销毁的信息，吞卡处理服务器收到被吞卡被毁的信息后将卡信息发送给第二自助终端，该第二自助终端的发卡模块中的读卡器将被吞卡的卡信息写入一张新卡，且在确认用户身份后将新卡发送给用户。It should be noted that the second self-service terminal is named relative to the first self-service terminal of the swallow card. Therefore, the first self-service terminal and the second self-service terminal are not absolute, and each self-service terminal can be processed and swallowed. Card and off-site card-taking function, any self-service terminal is a second self-service terminal in a remote location with respect to another self-service terminal. Therefore, as a third embodiment provided by the present invention, as shown in FIG. 3, the first self-service terminal and the second subsidized terminal both have a central control module, a swallow card storage module, a card cleaning module, a card issuance module, and a swallowing Card information and identity information input module, card swallowing information and identity authentication module, and short message sending module. Under the control of the central control module, when the user times out and does not take the card, the card swallowing action is performed, the card is stored in the swallow card card module, and the card swallowing information is uploaded to the swallow card processing server, and the user is notified by the short message sending module. The card is swallowed and the card can be taken offsite. As the second self-service terminal existing in the remote location, when the user selects the remotely extracted card-swallowing service, the user inputs the card information (for example, the last four digits of the swallowed card) and the user identity through the card-swallowing information and the identity information input module. Information (such as a password), when the card is swallowed and the identity authentication module confirms that the card is swallowed and the user information is correct, the second self-service terminal issues a command to destroy the swallowed card to the first self-service terminal through the card swallowing processing server, and is swallowed After the information of the scrapped or cleared card is destroyed and cleaned into a blank card (the latter uses the latter to process the swallowed card for recycling), the information of the first self-service terminal feedback card is destroyed, and the card is processed. After receiving the information that the card is destroyed, the server sends the card information to the second self-service terminal, and the card reader in the card issuing module of the second self-service terminal writes the card information of the swallowed card into a new card, and Send the new card to the user after confirming the user's identity.
以下结合图4介绍本发明提供的自助终端吞卡处理方法。该自助终端 吞卡处理方法，包括：步骤1，用户在一第一自助终端进行自助业务时，卡被吞，该吞卡的第一自助终端读取吞卡信息，并上传给吞卡处理服务器；步骤2，用户在一第二自助终端选择取出被吞卡交易，并输入被吞卡尾号及身份信息；步骤3，该第二自助终端发送用户信息至该吞卡处理服务器，该吞卡处理服务器确认是否有该尾号卡的吞卡信息，如果是，则进入步骤4，如果否，则进入步骤8；步骤4，该吞卡处理服务器与银行业务系统确认用户身份信息和卡信息是否合法，如果是，则进行步骤5，如果否，则进行步骤8；步骤5，该第二自助终端通过该吞卡处理服务器发送销毁吞卡命令给该第一自助终端，该第一自助终端擦除被吞卡磁道信息，报废吞卡，且报废吞卡成功后，发送销毁被吞卡成功信息给吞卡处理服务器；步骤6，吞卡处理服务器确认被吞卡成功销毁后，发送用户卡信息以及发卡命令给该第二自助终端；步骤7，该第二自助终端将用户卡信息写入一张新卡，写入成功后发给用户，且将发卡成功信息发送给该吞卡处理服务器，且该吞卡处理服务器将此卡涉及的吞卡信息从该吞卡信息存储模块中删除；以及步骤8，流程结束。The self-service terminal card swallowing processing method provided by the present invention is described below with reference to FIG. The self-service terminal The method for processing the card is as follows: Step 1: When the user performs self-service in the first self-service terminal, the card is swallowed, and the first self-service terminal of the card swallows the card information and uploads it to the card processing server; Step 2 The user selects to take out the swallowed card transaction in a second self-service terminal, and inputs the swallowed card number and identity information; in step 3, the second self-service terminal sends the user information to the card swallowing processing server, and the card swallowing processing server confirms Whether there is the card swallowing information of the tail card, if yes, proceed to step 4, if not, proceed to step 8; in step 4, the card swallowing server and the banking system confirm whether the user identity information and the card information are legal, if If yes, proceed to step 5; if no, proceed to step 8; in step 5, the second self-service terminal sends a destroying card swallowing command to the first self-service terminal through the card swallowing processing server, and the first self-service terminal erases the swallowed After the card track information is used, the card is swallowed, and after the card is successfully swallowed, the success message of the swallowed card is sent to the card processing server; in step 6, the card processing server confirms that the card is successfully swallowed. After the destruction, the user card information and the card issuance command are sent to the second self-service terminal; in step 7, the second self-service terminal writes the user card information into a new card, and after the writing is successful, the user sends the card to the user, and sends the card issuing success information. The card processing server is provided, and the card swallowing processing server deletes the card swallowing information related to the card from the card swallowing information storage module; and in step 8, the process ends.
作为该自助终端吞卡处理方法的优选方案，在步骤1中用户卡被吞后，该第一自助终端可供用户选择是否异地取卡，当用户选择异地取卡时，该第一自助设备读取吞卡信息，并将该吞卡信息上传给该吞卡处理服务器，然后擦除吞卡磁道信息销毁吞卡，当用户没有选择异地取卡时，A自助设备只将吞卡信息上传给该吞卡处理服务器，暂时不擦除吞卡磁道信息销毁吞卡。As a preferred solution of the self-service terminal card processing method, after the user card is swallowed in step 1, the first self-service terminal is available for the user to select whether to take the card in different places. When the user selects the card to be taken off-site, the first self-service device reads. Take the card swallowing information, upload the card swallowing information to the card swallowing processing server, and then erase the swallow card track information to destroy the swallow card. When the user does not choose to pick up the card in different places, the A self-service device only uploads the swallowing card information to the card. The card processing server temporarily deletes the swallow card without erasing the swallowed track information.
进一步优选的，在步骤6中，对卡信息进行加密处理及完整性验证处理之后，再发送给该第二自助终端，只有授权的自助终端才能解密并获取正确的卡信息。Further preferably, in step 6, after the card information is encrypted and integrity verified, the card information is sent to the second self-service terminal, and only the authorized self-service terminal can decrypt and obtain the correct card information.
本实施例提供的自助终端吞卡处理方法可以分成吞卡流程和取卡流程来设置，如图5所示，最基本的吞卡流程包括吞卡、向吞卡处理服务器发送被吞卡信息以及流程结束，优选的在自助终端向吞卡处理服务器发送被 吞卡信息之后，还向用户发送短信通知用户卡被吞以及可以异地取卡。当第一自助终端还设置有选项操作模块时，卡被吞以及自助终端向吞卡处理服务器发送被吞卡信息后，还供用户选择是否异地取卡，在用户暂时忘记密码或不小心密码输入错误多次之后卡被吞时，客户往往及时知道卡被吞，根据自己需要选择是否异地取卡。当用户选择了异地取卡时，该自助终端立即销毁被吞卡的卡信息，报废被吞卡或者清除被吞卡卡信息并清洗被吞卡表面，使被吞卡成为一张空白卡，然后被传输到发卡模块待循环利用，这两种流程分别见如图6和图7。当客户没有对是否异地取卡进行选择时，有可能是客户没注意到卡被吞，因此短信发送模块通知客户卡被吞及可异地取卡。如图8所示，基本的取卡流程则包括：开始，选择取出被吞卡交易，然后输入被吞卡的尾号，一般是后四位，然后输入被吞卡密码，自助终端首先验证次尾号对应的卡是否被吞过，如果没有被吞过，则流程结束，如果吞卡处理服务器中存储有该卡被吞过的信息，则进一步验证用户输入的密码是否正确，如果否，则流程结束，如果密码正确，则将此尾号对应的卡信息写入一张新卡，然后将新卡发给用户，然后自助终端通知吞卡处理服务器此尾号对应的卡已取走，吞卡处理服务器则删除此尾号卡对应的吞卡信息，防止取出多张同样的卡。The self-service terminal card processing method provided in this embodiment may be divided into a card swallowing process and a card taking process. As shown in FIG. 5, the most basic card swallowing process includes swallowing a card, sending the swallowed card information to the swallowing card processing server, and The process ends, preferably in the self-service terminal to send to the card swallowing server After the card is swallowed, a message is sent to the user to inform the user that the card is swallowed and the card can be taken offsite. When the first self-service terminal is further provided with the option operation module, after the card is swallowed and the self-service terminal sends the swallowed card information to the card swallowing processing server, the user also selects whether to take the card in a different place, and the user temporarily forgets the password or accidentally enters the password. After the card is swallowed many times after the error, the customer often knows that the card is swallowed in time, and chooses whether to take the card according to his own needs. When the user selects the card to be taken off-site, the self-service terminal immediately destroys the card information of the card swallowed, scraps the card or swallows the card information and cleans the surface of the swallowed card, so that the card is swallowed into a blank card, and then It is transmitted to the card issuance module to be recycled. The two processes are shown in Figure 6 and Figure 7, respectively. When the customer does not select whether to take the card in a different place, it may be that the customer does not notice that the card is swallowed, so the short message sending module notifies the customer that the card is swallowed and can be taken out of the card. As shown in Figure 8, the basic card removal process includes: start, select to take out the swallowed card transaction, and then enter the tail number of the swallowed card, usually the last four digits, and then enter the swallowed password, the self-service terminal first verifies Whether the card corresponding to the tail number is swallowed. If it is not swallowed, the process ends. If the card processing server stores the information that the card has been swallowed, further verify that the password entered by the user is correct. If not, then The process ends. If the password is correct, the card information corresponding to the tail number is written into a new card, and then the new card is sent to the user, and then the self-service terminal notifies the card processing server that the card corresponding to the tail number has been taken away. The card processing server deletes the card swallowing information corresponding to the tail card, and prevents multiple identical cards from being taken out.
本发明提供的自助终端吞卡处理系统由于吞卡处理服务器的设置，以及配合自助终端、吞卡处理服务器以及银行业务系统之间的通信连接，且通过吞卡信息存储模块、吞卡存卡模块、吞卡控制模块、吞卡信息与用户身份认证模块以及发卡模块等功能模块的设置，实现卡被吞后用户可在异地取卡的目的，节约了用户的资金、时间、精力成本，极大地方便了用户，体现了银行便利用户的服务宗旨。而且卡被吞后再发卡给用户的整个过程无需银行的人工介入，节省了银行的人力成本。另外，实现本发明提供的技术方案，硬件上只需在现有自助终端上加装发卡模块即可，系统改造成本小，实用性强。The self-service terminal card swallowing processing system provided by the invention is provided by the card swallowing processing server, and the communication connection between the self-service terminal, the swallowing card processing server and the banking service system, and the card swallowing information storage module and the swallowing card storage card module The function of the function module such as the card swallowing control module, the swallowing card information and the user identity authentication module, and the card issuance module, so that the user can take the card at a different place after the card is swallowed, thereby saving the user's capital, time and energy costs, greatly Convenient for the user, reflecting the bank's convenient user service. Moreover, the entire process of issuing the card to the user after the card is swallowed does not require manual intervention by the bank, which saves the labor cost of the bank. In addition, the technical solution provided by the invention is implemented, and only the card issuing module can be installed on the existing self-service terminal in the hardware, and the system transformation cost is small and the utility is strong.
惟以上所述仅为本发明的较佳实施例，非意欲局限本发明的专利保护范围，故举凡运用本发明说明书及图式内容所为的等效变化，均同理皆包 含于本发明的权利保护范围内，合予陈明。 However, the above description is only a preferred embodiment of the present invention, and it is not intended to limit the scope of the patent protection of the present invention, so the equivalent changes of the present specification and the contents of the drawings are equally applicable. It is included in the scope of protection of the present invention and is combined with Chen Ming.
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| EP15815905.3A EP3166047A4 (en) | 2014-07-02 | 2015-06-29 | Method and system for handling situation of card detainment in self-service terminal |
| US15/318,800 US20170140614A1 (en) | 2014-07-02 | 2015-06-29 | Method and system for handling situation of card detainment in self-service terminal |
| RU2017101821A RU2649935C1 (en) | 2014-07-02 | 2015-06-29 | Method and system for processing the situation related to the withholding of the card in the self-service terminal |
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| CN201410314920.0 | 2014-07-02 | ||
| CN201410314920.0A CN104077616B (en) | 2014-07-02 | 2014-07-02 | Self-aided terminal retain card processing method and system |
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| EP (1) | EP3166047A4 (en) |
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Also Published As
| Publication number | Publication date |
|---|---|
| RU2649935C1 (en) | 2018-04-05 |
| EP3166047A1 (en) | 2017-05-10 |
| CN104077616A (en) | 2014-10-01 |
| CN104077616B (en) | 2017-08-25 |
| EP3166047A4 (en) | 2017-08-30 |
| US20170140614A1 (en) | 2017-05-18 |
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